Mortgage Lenders and Brokers in Riverhead, New York
Brian McKay
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iEditorial Disclosure
Editorial DisclosureLender lists come from federal HMDA loan data. Average rates come from our daily monitoring network. Editorial content is independent of any advertiser relationships.
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✓Fact Checked
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Loan Rates Last Updated and Verified: October 7, 2026
Riverhead, New York mortgage lenders include M&T BankM&T Bank6 W 2nd St, Riverhead, NY 11901A+5.0 ★Texas Ratio: 4.11%, JPMorgan Chase Bank, NAJPMorgan Chase Bank, NA1450 Old Country Rd, Riverhead, NY 11901A+5.0 ★Texas Ratio: 3.68%, Bank of America NABank of America NA499 Old Country Rd, Riverhead, NY 11901A+5.0 ★Texas Ratio: 4.14%, Teachers Federal Credit UnionTeachers Federal Credit Union176 Old Country Rd, Riverhead, NY 11901, United Mortgage Corp.United Mortgage Corp.252 Broadway, Brooklyn, NY 11211A5.0 ★Texas Ratio: 9.27%, Fourleaf Federal Credit UnionFourleaf Federal Credit Union1095 Old Country Rd, Riverhead, NY 11901 2019B+4.8 ★Texas Ratio: 17.52%, Citizens Bank, NACitizens Bank, NA1440 Central Ave, Albany, NY 12205A+5.0 ★Texas Ratio: 5.44%, Wells Fargo Bank NAWells Fargo Bank NA921 Saw Mill River Rd, Ardsley, NY 10502A+5.0 ★Texas Ratio: 5.36%, Quontic BankQuontic Bank3105 Broadway, Astoria, NY 11106C+4.1 ★Texas Ratio: 25.91%, and Citibank, NACitibank, NA1000 Willis Ave, Albertson, NY 11507A+5.0 ★Texas Ratio: 2.82%. Banks, credit unions and mortgage companies are listed together, with FHA, VA and local options flagged for quick comparison.
Lenders are ranked only by the number of home loans they closed in Riverhead, New York in 2025, as reported under the federal Home Mortgage Disclosure Act. No lender pays for a higher spot. Lenders based in Riverhead are listed first, then lenders elsewhere in New York, then lenders from other states that closed loans there. Banks and credit unions carry a MonitorBankRates health grade, star rating and Texas Ratio, so you can judge how financially sound they are. Mortgage companies have no deposits to rate, so compare their loan programs, median loan and borrower reviews instead. Compare at least three lenders and ask each for a written loan estimate before you choose.
Mortgage Lenders and Brokers in Riverhead, New York
Market share is the lender's share of all home loans closed in Riverhead, New York. Approval share is approvals divided by completed applications. Grade is the MonitorBankRates Health and Safety Grade, available for banks and credit unions only. Average loan is the lender's mean loan amount here.
| Lender | Programs | Loans closed | Market share | Approval share | Average loan | View |
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2 offices in Riverhead 6 W 2nd St, Riverhead, NY 11901 A+5.0 ★Texas Ratio: 4.11% |
Conventional, HELOC | 6 +7 HELOCs |
5.3% | 100% | $236,666 | View |
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2 offices in Riverhead 1450 Old Country Rd, Riverhead, NY 11901 A+5.0 ★Texas Ratio: 3.68% |
Conventional | 2 | 1.8% | 66.7% | $245,000 | View |
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1 office in Riverhead 499 Old Country Rd, Riverhead, NY 11901 A+5.0 ★Texas Ratio: 4.14% |
HELOC | 0 +2 HELOCs |
0% | n/a | View | |
Teachers Federal Credit Union
176 Old Country Rd, Riverhead, NY 11901 |
Conventional, HELOC | 9 +2 HELOCs |
8% | 90.9% | $208,333 | |
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252 Broadway, Brooklyn, NY 11211 A5.0 ★Texas Ratio: 9.27% |
Conventional, FHA, VA | 6 | 5.3% | 100% | $428,333 | View |
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1095 Old Country Rd, Riverhead, NY 11901 2019 B+4.8 ★Texas Ratio: 17.52% |
Conventional, HELOC | 3 +4 HELOCs |
2.7% | 75% | $241,666 | View |
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1440 Central Ave, Albany, NY 12205 A+5.0 ★Texas Ratio: 5.44% |
Conventional, HELOC | 2 +1 HELOCs |
1.8% | 100% | $405,000 | View |
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921 Saw Mill River Rd, Ardsley, NY 10502 A+5.0 ★Texas Ratio: 5.36% |
Conventional | 2 | 1.8% | 66.7% | $355,000 | View |
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3105 Broadway, Astoria, NY 11106 C+4.1 ★Texas Ratio: 25.91% |
Conventional | 2 | 1.8% | 100% | $410,000 | View |
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1000 Willis Ave, Albertson, NY 11507 A+5.0 ★Texas Ratio: 2.82% |
Conventional | 2 | 1.8% | 100% | $450,000 | View |
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1077 Old Country Rd, Riverhead, NY 11901 2019 A5.0 ★Texas Ratio: 7.07% |
Conventional, HELOC | 1 +5 HELOCs |
0.9% | 50% | $25,000 | View |
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★ 1 stars, 1 review 4314 Ditmars Blvd, Astoria, NY 11105 A5.0 ★Texas Ratio: 9.37% |
Conventional | 1 | 0.9% | 100% | $925,000 | View |
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455 Beach 129th St, Belle Harbor, NY 11694 A5.0 ★Texas Ratio: 12.84% |
Conventional | 1 | 0.9% | 100% | $405,000 | View |
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7719 18th Avenue, Brooklyn, NY 11214 D3.4 ★Texas Ratio: 33.77% |
Conventional | 1 | 0.9% | 100% | $375,000 | View |
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3501 30th Ave, Astoria, NY 11103 A-4.9 ★Texas Ratio: 16.55% |
Conventional | 1 | 0.9% | 100% | $425,000 | View |
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2 Enterprise Zone Dr, Riverhead, NY 11901 3707 A+5.0 ★Texas Ratio: 3.84% |
HELOC | 0 +9 HELOCs |
0% | 50% | View | |
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125 State St, Albany, NY 12207 A+5.0 ★Texas Ratio: 3.71% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Nationwide Mortgage Bankers, Inc.
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Conventional, FHA | 8 | 7.1% | 100% | $550,000 | |
Interstate Home Loan Center, Inc.
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Conventional | 2 | 1.8% | 100% | $480,000 | |
Meadowbrook Financial Mortgage Bankers Corp.
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Conventional | 2 | 1.8% | 66.7% | $490,000 | |
Hartford Funding, Ltd.
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Conventional | 1 | 0.9% | 100% | $375,000 | |
Cliffco, Inc.
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Conventional | 1 | 0.9% | 100% | $515,000 | |
1St Priority Mortgage, Inc.
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Conventional | 1 | 0.9% | 100% | $435,000 | |
Jet Direct Funding Corp.
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Conventional | 1 | 0.9% | 100% | $425,000 | |
Contour Mortgage Corporation
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Conventional | 1 | 0.9% | 100% | $525,000 | |
Reliant Home Funding, Inc
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FHA | 1 | 0.9% | 50% | $695,000 | |
East Coast Capital Corp.
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Conventional | 1 | 0.9% | 100% | $495,000 | |
Associated Mortgage Bankers Inc.
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Conventional | 1 | 0.9% | 100% | $565,000 | |
UNMB Home Loans Inc
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Conventional | 1 | 0.9% | 100% | $415,000 | |
Mid-Island Mortgage Corp.
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FHA | 1 | 0.9% | 100% | $585,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
Conventional | 1 | 0.9% | 100% | $265,000 | View |
Reliance First Capital, LLC
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Conventional | 1 | 0.9% | 100% | $305,000 | |
Jovia Financial Federal Credit
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HELOC | 0 +1 HELOCs |
0% | n/a | ||
United Wholesale Mortgage
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Conventional, FHA | 10 | 8.8% | 90.9% | $511,000 | |
Rocket Mortgage
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Conventional, VA | 8 | 7.1% | 66.7% | $280,000 | |
Newrez LLC
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Conventional, FHA | 4 | 3.5% | 66.7% | $390,000 | |
Absolute Home Mortgage
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Conventional, FHA | 3 | 2.7% | 100% | $345,000 | |
New American Funding, LLC.
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Conventional | 3 | 2.7% | 100% | $471,666 | |
loanDepot.com LLC
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Conventional | 2 | 1.8% | 66.7% | $585,000 | |
Triad Financial Services, Inc.
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Conventional | 2 | 1.8% | 66.7% | $205,000 | |
Guaranteed Rate Affinity, LLC
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Conventional | 1 | 0.9% | 100% | $475,000 | |
Royal United Mortgage LLC
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Conventional | 1 | 0.9% | 100% | $125,000 | |
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A5.0 ★Texas Ratio: 11.06% |
Conventional | 1 | 0.9% | 100% | $575,000 | View |
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D3.5 ★Texas Ratio: 32.93% |
FHA | 1 | 0.9% | 100% | $455,000 | View |
CrossCountry Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $305,000 | |
The People's Credit Union
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Conventional | 1 | 0.9% | 100% | $55,000 | |
Movement Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $435,000 | |
Pennymac Loan Services LLC
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Conventional | 1 | 0.9% | 100% | $645,000 | |
Cmg Mortgage Inc
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Conventional | 1 | 0.9% | 100% | $155,000 | |
Nqm Funding, LLC
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Conventional | 1 | 0.9% | 100% | $425,000 | |
NJ Lenders Corp
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Conventional | 1 | 0.9% | 100% | $365,000 | |
MLB Residential Lending, LLC
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Conventional | 1 | 0.9% | 100% | $535,000 | |
William Raveis Mortgage, LLC
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Conventional | 1 | 0.9% | 100% | $405,000 | |
Cardinal Financial Company, Li
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Conventional | 1 | 0.9% | 100% | $425,000 | |
Embrace Home Loans, Inc.
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Conventional | 1 | 0.9% | 100% | $285,000 | |
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B-4.3 ★Texas Ratio: 23.12% |
Conventional | 1 | 0.9% | 100% | $595,000 | View |
21St Mortgage
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Conventional | 1 | 0.9% | 100% | $55,000 | |
American Neighborhood Mortgage Acceptance Company
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Conventional | 1 | 0.9% | 100% | $315,000 | |
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A+5.0 ★Texas Ratio: 2.85% |
HELOC | 0 +1 HELOCs |
0% | n/a | View | |
Connexus Credit Union
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HELOC | 0 +1 HELOCs |
0% | n/a |
Riverhead Mortgage Rate Trends
Daily average mortgage rates for New York compared with the national average, updated every evening.
Mortgage Lenders and Mortgage Brokers Near Me in Riverhead, New York
Looking for mortgage lenders near me or mortgage brokers near me in Riverhead? The list below shows the banks, credit unions and mortgage brokers that closed home loans in Riverhead in 2025, with lenders based there listed first.
Types of Mortgage Lenders in Riverhead, NY
Use these to narrow the list above. Each category shows how many Riverhead, NY lenders fit and what that kind of lender is usually best for.
Who Lends in Riverhead, NY
Independent mortgage companies closed 68.1 percent of home loans in Riverhead, New York in 2025, banks 19.5 percent and credit unions 12.4 percent. United Mortgage Corp. was the largest mortgage company, M&T Bank the largest bank and Teachers Federal Credit Union the largest credit union. Among lenders headquartered in New York, M&T Bank led with 6 loans.
How to Read This List
A high approval share with a small median loan usually points to a lender comfortable with first time and FHA borrowers. A large median loan with conventional and jumbo programs points to a move up and jumbo specialist. The health grade says whether a bank or credit union is financially sound; it says nothing about service, which is what the reviews below are for.
Attorneys customarily handle closings in New York. State mortgage recording tax of 0.5 percent plus a 0.25 percent special additional tax (paid by the lender on one to six family homes) and 0.25 percent more in the MCTD counties; in New York City the combined rate is 2.05 percent under $500,000 and 2.175 percent at or above, of which the borrower effectively pays 1.8 or 1.925 percent. State transfer tax is $2 per $500 plus a 1 percent mansion tax on homes of $1 million or more; NYC adds its own 1 to 1.425 percent RPTT. A CEMA (consolidation, extension and modification agreement) assigns the old mortgage to the new lender so recording tax is paid only on new money, and is standard practice for refinances and many purchases.
More New York Mortgage Lender Pages
Frequently Asked Questions About Mortgage Lenders in Riverhead, NY
By home loans closed in 2025, M&T Bank was the largest mortgage lender in Riverhead, New York with 6 loans, about 5.3 percent of the market. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
8 lenders closed FHA loans in Riverhead, New York in 2025, led by Nationwide Mortgage Bankers, Inc. with 4. 2 lenders closed VA loans, led by United Mortgage Corp.. Use the FHA and VA filters above the table to see only those lenders; FHA loans allow 3.5 percent down and lower credit scores, VA loans need no down payment for eligible veterans. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Yes. 15 banks and 7 credit unions closed home loans in Riverhead, New York in 2025, alongside 38 independent mortgage companies and brokers. Banks and credit unions carry a MonitorBankRates health grade. Mortgage companies are not deposit institutions, so they have no health grade; their HMDA figures and borrower reviews stand in. Source: Home Mortgage Disclosure Act data for 2025, published by the FFIEC and CFPB.
Lenders are ranked only by the number of home loans they closed in Riverhead, New York during 2025 as reported under the federal Home Mortgage Disclosure Act. No lender pays to be listed or to rank higher, and reviews do not change the order. Counts cover first and second lien loans on one to four unit homes for purchase, refinance and home improvement; home equity lines are counted separately.
Methodology and Sources
Lender rankings use the loan level records that lenders file under the Home Mortgage Disclosure Act, published by the FFIEC and the Consumer Financial Protection Bureau for the 2025 reporting year. Counts include originated first and subordinate lien loans on one to four unit homes in Riverhead, New York for purchase, refinance and other purposes; home equity lines of credit are counted separately and reverse mortgages and business purpose loans are excluded. Approval share is originations plus approved but not accepted applications divided by all completed applications (withdrawn and incomplete files are excluded). Lender type comes from the lender's federal regulator and the FFIEC National Information Center. City figures use the Census tracts that make up Riverhead. Health grades are MonitorBankRates data and are current as of the date shown. Lenders below the HMDA reporting thresholds do not appear. MonitorBankRates receives no payment for placement on this page. Last updated October 8, 2026.
